Ms. Gray specializes in work with banks, non-bank financial institutions, and other companies providing financial products and services. She works with many of the largest bank and non-bank financial institutions, emerging companies such as fintechs, and retailers whose business operations include consumer and small business finance. Ms. Gray's work is focused on representing corporate and individual clients in high-stakes legal proceedings, including matters initiated by federal and state regulators, private civil litigation, and internal investigations. Ms. Gray also counsels clients on compliance with consumer protection laws.
Ms. Gray focuses a substantial portion of her practice on representations involving escalated government examination matters, investigations, and enforcement. In this capacity, she routinely provides strategic advice to senior corporate leaders, including Boards of Directors, as they navigate complex, and often unexpected, business and legal challenges. Ms. Gray frequently represents institutions in matters initiated by the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), Department of Justice (DOJ), Department of Housing and Urban Development (HUD), Federal Reserve Board (FRB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), and Office of the Comptroller of the Currency (OCC). Ms. Gray also has an active state regulatory practice, representing institutions in matters involving state attorneys general, including multi-state groups, as well as other state regulators such as the New York Department of Financial Services (NYDFS), the California Department of Financial Protection and Innovation (DFPI), and state banking departments. Many of these matters have been successfully closed without further action.
